Protection · 5 min read
When the other driver has no insurance, or too little
Most drivers assume the other person in a crash is insured. Sometimes that is not true, and a policy can be built with that in mind.
01What the coverage is for
If another driver causes a crash and has no insurance, or has less coverage than the damage costs, uninsured or underinsured motorist coverage on your own policy may help pay for injuries, and in some places for vehicle damage, up to your limits.
02Hit-and-run
Some policies treat a hit-and-run driver the same as an uninsured driver. You may be asked to report it to police within a set time. Check how your own policy handles it.
03Why people look at it
A meaningful share of drivers on the road in some states are uninsured. If you have good health coverage and strong liability limits but nothing for this situation, it can be a gap worth knowing about.
04What to check on your declarations page
- Is the coverage listed, and for what limits?
- Does it cover property damage as well as injury in your state?
- Is there a deductible?
05Ask, do not guess
Rules for this coverage vary widely. Your insurer or your state insurance department can explain what applies to you.
General information only. Brakelo is not an insurance company, agency, or broker, and this is not insurance, legal, or financial advice. Details vary by state and by policy; check with your own insurer, agent, or state insurance department. Updated October 30, 2026.